INSIDE:

Pension Reform 2

Proposal Could Affect Under-65 Health Insurance Costs

3

Financial Updates 3

Name a Life Insurance Beneficiary

3

Turning 65 Webinars, Seminars Offered

4

Re-employed Retirees 4

Upon the Death of a Retired Member

4

Information Center 5

Visiting TRS 5

Minimum Distribution Requirements

5

Complete the LivingWell Promise

6

Need Care Right Away? 6

Medicare Mails New ID Cards

7

How to Pay Medicare Premiums When Not Receiving Social Security Check

7

Annual Physical or Wellness Visit Earns Rewards

8

What is a Virtual Visit? 9

2017 Tax Tips 10

Kentucky State Taxes 11

New Contact Information?

12

B U S I N E S S N A M E

MARCH

2018

RETIRED

MEMBER EDITION

See “Solid Foundation” page 2

PATHWAY https://mss.trs.ky.gov KyTeachersRS facebook.com/KyTeachersRS

Teachers’ Retirement System

TRS Pilot Program to Assist MEHP Retirees,

Medical Professionals in Making Medication

Decisions Using DNA Testing

TRS has begun a pilot program for

selected Medicare Eligible Health Plan

(MEHP) retirees involving what is

called personalized medicine.

This pilot project uses DNA testing to

help a patient’s doctor make more

effective treatment decisions for better

health outcomes.

The pilot, which has been months in

development and began in November

2017, is focused on making sure that a

retiree’s medications are safe and will

be beneficial. Without this testing,

medicines may be prescribed that don’t

work with a retiree’s individual

physiology (as shown through DNA

testing) and that, in some cases, may

be fatal.

Coriell Life Sciences, which has been

providing clinical research services for

more than 64 years, is TRS’s partner in

the pilot.

Besides the health benefit to retirees,

the pilot is expected to provide

significant cost savings to the plan by

reducing adverse drug reactions and the

trial-and-error period that some

patients see.

If the pilot is successful, the program

could be expanded to include other

MEHP enrollees.

https://trs.ky.gov info@trs.ky.gov

479 Versailles Road

Frankfort, KY 40601

800-618-1687

Kentucky teachers should have great confidence in how their contributions are

invested alongside state contributions for the retirement security of educators.

TRS’s assets, as of June 30, topped $19 billion – a record. By another measure,

TRS’s 15.37 percent gain in investments for the fiscal year that ended then was

among the best in the country for large public pension plans. In fact, a recent

review by Pensions & Investments magazine said TRS’s return was fourth among

public pension plans.

After fees and expenses that are some of the lowest in the country, the 15.02

percent net return shows that your retirement dollars are invested efficiently.

TRS’s Solid Foundation Ensures Retirement

by Gary L. Harbin, CPA, Executive Secretary

________________________________________________________________________________________________________________________________________________

Retired Member Edition March 2018 | Page 2

Of course, since TRS is a long-term investor,

its success isn’t defined by any single good year

or any one bad year. So most importantly,

TRS’s returns over longer periods are

exceptional as well.

For example, a report by Cliffwater, an

investing group with which TRS has no ties,

showed TRS’s investments for the last decade –

a period that includes the Great Recession –

were tied for eighth among 67 large public

plans nationally. TRS tied for sixth best in that

same report in achieving the best returns

considering how much risk was taken.

For the one-year period ending Sept. 30,

2017, TRS’s investment performance grossed

15.4 percent, which the system’s independent

investing consultant found was in the top 3

percent for the quarter and the year among

public plans with more than $1 billion under

management.

Also, TRS’s return for the last 30 years is

above 8 percent, which is consistent with the

7.5 percent assumed rate of return. That

performance by TRS over the long haul

demonstrates the methods and assumptions of

the teachers’ investment program are valid.

All these ranking and returns show current

and retired teachers that their investment team

is among the nation’s very best. TRS’s long-

term investment strategy and return

assumptions work.

Nonetheless, those approaches and

assumptions aren’t just taken for granted.

Actuarial and investment assumptions are

constantly reviewed internally and by outside

experts. Additionally, at least every five years,

TRS does a study to examine its assumptions.

Recent reports by the Public Pension

Oversight Board staff, NASRA and Horizon, an

annual report based on a survey of what 35

investment advising firms are seeing now and

projecting for the future, all show that the 7.5

percent investment return is in line with other

large pension plans. Further justifying the

reasonableness of the 7.5 percent assumed

return, TRS’s investment consultant Aon used

the assumptions of future market performance

in the 2017 Horizon survey to see what return

TRS’s target asset allocation would produce

over the next 20 years. The result was a 7.7

percent gain.

TRS’s approach stems, in part, from the

historical continuity that helped build the

system’s solid foundation. The agency has had

just five executive secretaries in 78 years and

only three chief investment officers (the

position was created in the 1970s). For almost a

decade, the Investment Committee has

included two nationally recognized investment

experts. The Board of Trustees – as it has been

since the beginning in 1940 – largely is elected

by the membership. Also, two statewide leaders

serve by virtue of their offices and, beginning

last year, the governor appointed two trustees

who have investment experience.

Whether markets are up or down, in times

that are predictable or not, TRS’s investing

philosophy that focuses on the long term helps

provide the foundation for the retirement

security of Kentucky’s teachers.

The possibility of pension reform in Kentucky continues to grab headlines in newspapers and on

websites across the state.

So many ideas have been proposed for pension changes that it serves no purpose to speculate on what

any final reform will contain regarding benefits for current teachers and retirees. But the best advice is to

watch and see what happens. As fiduciaries for your retirement funds, TRS encourages teachers and

retirees to pay attention to these evolving headlines.

“Solid Foundation” continued from page 1

Regarding Pension Reform

________________________________________________________________________________________________________________________________________________

Retired Member Edition March 2018 | Page 3

Name a Life Insurance Beneficiary

Failure to designate a beneficiary can result in

difficulty obtaining valuable benefits for

survivors in the event of the death of a retiree of

the Teachers’ Retirement System.

One of the most important responsibilities as

a TRS retiree is to maintain a current

beneficiary designation for life insurance

benefits; unfortunately, many TRS members

have not done this.

A beneficiary is not required to be a relative.

However, a spouse who isn’t named a life

insurance beneficiary must sign an

acknowledgement on the beneficiary form.

If you marry after retiring, to designate your

new spouse as beneficiary of your life insurance

benefit, you need to submit a new beneficiary

designation form to TRS.

The form to designate or change a retired

member’s beneficiaries is available through the

Pathway member self-service portal or the TRS

website: https://trs.ky.gov/active-members/

resources/forms-active/.

Proposal Could Affect Under-65 Retirees’

Health Insurance Cost

KEHP

Under 65

The proposed 2018-2020 state budget as

initially filed in House Bill 200 eliminates the

state’s contribution toward retiree health care

for any teachers under 65 who either are

retiring or retired on or after July 1, 2010.

Under the 2010 Shared Responsibility law,

the state has paid most of the premium cost for

those retirees’ coverage. Kentucky’s Inviolable

Contract law guarantees retired teachers access

to group coverage, but the details of that

coverage – including costs to the member – can

change.

If the initially filed budget proposal becomes

law, retirees could have to pay the full premium

as soon as July 1, 2018.

Under that scenario, an under-65 retiree,

using 2018 rates, could have to pay $729.34 a

month for single PPO coverage compared to the

$216.38 currently paid by those retirees under

existing law. Different coverage levels, such as

family coverage, could cost more.

No changes have been proposed for retirees

65 and older or who retired before July 1, 2010.

The 3.75 percent contribution made by active

teachers is for prefunding over-65 retiree health

care.

The budget still will go through the legislative

process, and what will become law cannot be

predicted.

Actuaries and auditors have completed their

annual work evaluating the condition of the

retirement system for Kentucky’s teachers.

Here’s what the reviews, and other updates,

show:

• The pension plan’s funding ratio improved

to 56.4 percent as of June 30, 2017, from

54.6 percent a year earlier. The unfunded

accrued liability decreased by $200 million

to $14.3 billion. The system received 99

percent of the actuarially required

contribution – thanks to a $499

million additional contribution

from the state budget.

• The medical insurance fund improved to

26.7 percent funded compared to 21.9

percent the prior year. Before Shared

Responsibility was enacted in 2010, the

funding ratio was at 3.5 percent at the end

of fiscal year 2009.

• The investing return for the fiscal year was

15.37 gross and 15.02 percent net.

TRS Financial Updates

________________________________________________________________________________________________________________________________________________

Retired Member Edition March 2018 | Page 4

Turning 65 Webinars, Seminars Offered

Re-Employed Retirees

Retirees who return to the workforce often have to drop health insurance coverage through the Teachers’

Retirement System. So, if you become re-employed, please contact TRS to determine your eligibility for

health insurance.

If returning to work in an agency that participates in the Kentucky Employees’ Health Plan (KEHP)

where health insurance is offered, coverage through TRS must be terminated, regardless of whether

someone is in the KEHP or the Medicare Eligible Health Plan (MEHP).

If you return to work somewhere that does not participate in the KEHP but where health insurance is

offered, coverage through TRS must be terminated unless that new coverage is not as good as TRS

coverage. Someone in this situation may be asked to certify that the other coverage isn’t as good as TRS’s.

Additionally, once you leave a postretirement job or lose eligibility for the active insurance that came

with that job, contact TRS to enroll in its coverage within the qualifying event period (usually 30 days)

and provide the required documentation.

TRS is hosting a series of seminars and

webinars in the coming months

geared toward the many retirees

who find turning 65 to be

daunting as they approach

Medicare eligibility. Let TRS

help with a full presentation

and walkthrough on the

features and benefits of the

TRS Medicare Eligible Health

Plan (MEHP).

Seminars are April 11 at the Madisonville

Community College’s Brown Badgett

Technology Center, April 18 at the Jenny

Wiley State Resort Park in Prestonsburg and

May 2 at The Corbin Center. All

start at 9 a.m. local time. (The

March 21 seminar in Frankfort

is full.)

The webinars, which can be

viewed on your computer, are

March 20, June 5, Sept. 11 and

Dec. 12.

Registration is required and can be done

by calling 800-618-1687, extension 8853, or

by visiting https://trs.ky.gov/active-members/

seminars-workshops#65 and clicking the

appropriate link for seminars or webinars.

Eligible spouses have 30 days from the member’s death to elect or decline health

insurance coverage through the Teachers’ Retirement System. Be careful making

that decision because it is permanent. Once coverage is declined or waived, no

qualifying event will allow the surviving spouse to re-enroll.

REMINDER: Upon the Death

of an Active or Retired Teacher

________________________________________________________________________________________________________________________________________________

Retired Member Edition March 2018 | Page 5

Minimum Distribution Requirements

Anyone approaching 70½ and who no longer is

working for a participating TRS employer should

know that federal tax law requires withdrawals

from retirement accounts at that age. That’s true

even if the person isn’t vested with five years of

service or if it’s a return-to-work account.

If vested with at least five years of service,

anyone 70½ is required to withdraw contributions

by filing a retirement application to start receiving

a retirement allowance.

Someone that age who doesn’t have five years of

service must file an application for a refund of his

or her account.

Failure to make a timely withdrawal of

retirement account contributions may result in

federal tax penalties.

If you are 70½ or older

and no longer

contributing to the

retirement system, please

contact TRS immediately for the forms to apply

for retirement or a refund to avoid substantial and

recurring federal tax penalties.

Federal tax law also requires the beneficiary of an

active or retired member to begin receiving

benefits or a refund soon after a member’s death.

Beneficiaries should contact the retirement office

soon after the member’s death to begin receiving

benefits or take a refund in order to avoid any

applicable penalties.

Visiting TRS

Do you need to come to Frankfort for answers

about your benefits from TRS? You don’t have to

but you’re more than welcome to visit.

TRS has 17 counselors who can meet with you

concerning your retirement account. TRS is open 8

a.m. to 5 p.m. ET, Monday through Friday (except

holidays). No appointment is necessary – just

come into the office, sign in with the receptionist,

and you will be seen as quickly as possible.

Certain times of the year are busier than others,

such as summer, spring break and fall breaks.

For those who don’t want to drive to Frankfort,

requests can be made and answered through TRS’s

information center (800-618-1687 or

info@trs.ky.gov). Account information, including

an online estimator, is available 24-7 through the

Pathway member self-service portal.

Information Center Aims to be One-Stop

Source for TRS Members

When calling the Teachers’ Retirement System,

the phone is answered in the Information Center

where the goal is providing members with whatever

they need in one stop. The Information Center is

staffed by eight TRS employees whose primary

function is to answer members’ phone calls about

all aspects of the retirement system. For example,

staff can assist teachers at the start of their careers

with completing membership forms. During

careers, staff can assist with leave-of-absence

information. And staff can assist with the

preparation of retirement applications.

The most common requests for assistance are

about: requesting estimates; applications for

retirement, disability and refunds and other TRS

forms; insurance; and death reports.

Retiree questions include topics such as

interpreting or obtaining duplicate1099R forms

and insurance costs, changes and open enrollments.

The Information Center also can help with

registration for, and navigation in, the Pathway self

-service portal, which also can provide answers to

many questions.

Tips for calling the Information Center

To assure quick service, please have your TRS

member ID or the last 4 digits of your Social

Security number.

Please understand not all requests can be made

over the telephone.

For members’ safety, all account updates must

include your original signature.

________________________________________________________________________________________________________________________________________________

Retired Member Edition March 2018 | Page 6

Complete the LivingWell Promise

LivingWell health insurance plan holders in the Kentucky

Employees’ Health Plan (KEHP) this year need to get a biometric

screening or complete the Go365™ Health Assessment by July 1.

Taking the health assessment: The health assessment can be completed online at https://

www.go365.com or by using the Go365 app. For instructions on registering for Go365 and

completing the assessment, go to

https://livingwell.ky.gov/Go365/Go365%20Regstr%20HA%20Completion%20Guide.pdf.

Getting a biometric screening: Free screenings are offered at a number of locations (https://

livingwell.ky.gov/Pages/Screening.aspx). If you have your screening done at your primary care

physician, an office copay may apply, and you must submit proof to Go365 (https://

livingwell.ky.gov/Vitality%20Check%20Forms/Physician%20Voucher.pdf). Fast for at least

eight hours prior to your appointment.

Proof of completion: Keep your screening results for immediate proof of completion. Results

may take 14 days or longer to appear on the Go365 dashboard. Your online health assessment

should appear on the dashboard within 24 hours.

Get rewarded: Go365 offers a reward of 2,000 bucks/points for a biometric screening and an

additional 2,000 for results that are in healthy ranges. Earn more by completing the online

health assessment.

If you have completed your LivingWell Promise, please disregard this message.

Need Care Right Away?

KEHP

Under 65

You have options. If you don’t need emergency care, why pay more – and wait longer – at

the emergency room? You can get the care you need and save money at an urgent care center,

retail health clinic or through LiveHealth Online. Compare the average costs for each option:

Always call 911 or go to an emergency room if delaying care could put your health at risk. If

you’re not sure where to go, call the 24/7 NurseLine at 877-636-3720 for help.

How to find care

Go to https://www13.anthem.com/cp/web/kehp and choose Find a Doctor. Follow the steps

to search for an urgent care center or retail health clinic in your plan. Or go to

https://www.livehealthonline.com for online care.

KEHP

Under 65

KEHP members Emergency

room* Urgent care or retail

health clinic* LiveHealth

Online * Costs may vary based on your plan, doctors and facilities.

Bronchitis $301 $46 $0

Urinary problems $286 $42 $0

Stomach problems $278 $42 $0

High blood pressure $309 $53 $0

________________________________________________________________________________________________________________________________________________

Retired Member Edition March 2018 | Page 7

As a result of a 2015 Medicare law, Medicare now is

required to remove Social Security numbers from Medicare

cards and assign a new Medicare Beneficiary Identifier

(MBI). This MBI is unique and randomly generated to

prevent identity theft. Medicare must complete the

transition to MBIs by April 2019.

If you are currently on the TRS Medicare Eligible Health

Plan (MEHP) you will not need to provide TRS with a copy

of your new card. Upon receipt of the new card, please file it in

a safe place. You will continue to give doctors and hospitals your UnitedHealthcare card and

pharmacists your Express Scripts card.

MEHP

If you do not receive a Social Security

check, Medicare will bill you for your

Medicare Part B premiums once every

quarter. Many retirees who are billed

quarterly for the Part B premium recently

have been terminated from Medicare and

the TRS Medicare Eligible Health Plan

(MEHP) because of failing to pay Part B

premiums. This can happen when the

quarterly bill has not been received or the

payment was received late.

TRS recommends anyone who gets a bill

for their Medicare premiums from the

Centers for Medicare & Medicaid Services

(CMS) to sign up for Medicare Easy Pay.

Medicare Easy Pay is a free, electronic

payment option that allows people to have

their Medicare premium payments

automatically deducted from a savings or

checking account monthly.

To sign up, contact Medicare at 800-

MEDICARE to obtain an Authorization

Agreement for Pre-Authorized Payments

form (SF-5510). Once the completed form is

returned to Medicare, it could take six to

eight weeks to be processed before

deductions begin.

Two things will happen each month after

your request is processed and deductions

begin:

1. You’ll get a “Medicare Premium

Bill” stating “This is not a bill” and

letting you know that the premium

will be deducted from your bank

account.

2. Medicare will deduct your premium

from your bank account usually on the

20th of the month. It will appear on

your bank statement as an

“Automated Clearing House (ACH)”

transaction.

Enrolling in this service will help avoid

potential termination of coverage because of

a failure to pay.

Your NEW CARD Design

How to Pay Medicare Premiums When Not

Receiving a Social Security Check

MEHP

Medicare to Begin Mailing New ID Cards in April

________________________________________________________________________________________________________________________________________________

Retired Member Edition March 2018 | Page 8

UnitedHealthcare (UHC) and TRS believe

taking care of your health deserves a reward. As a

member of the UHC Medicare Advantage (PPO)

plan, you have access to health and wellness

programs like Renew Rewards, where gift cards

are earned by completing health care activities,

such as an annual physical or wellness visit. These

visits are a great chance to meet with your

primary care physician and create a plan to reach

health goals. Both annual physicals and wellness

visits are covered by your health plan for a $0

copay. Also, getting your annual physical or wellness visit early in the year will give you more

time to meet your 2018 health goals.

Remember, you can get your annual wellness visit any time during the year, no matter when

you had your last visit.

Earning rewards is as simple as 1-2-3.

1. Complete your 2018 annual physical or wellness visit by Sept. 30 to earn a gift card.

2. Let UHC know you completed your visit by registering online at

www.UHCRetiree.com/trs or calling 844-518-5877 between 8 a.m. and 8 p.m. local

time Monday through Friday. Your visit must be reported by Dec. 31 to be eligible

for a gift card.

3. Choose a gift card from popular national retailers. (Members who have already

claimed a reward for an annual physical or wellness visit in 2018 are not eligible for

another reward.)

During your annual physical or wellness visit, ask the doctor about lab work and

other screenings you may be due for such as:

Fasting cholesterol

Fasting blood sugar (also called glucose)

Colon cancer screening

Flu shot and/or pneumonia shot

For women: Breast cancer screening (mammogram) and

bone density test

For people with diabetes: blood tests for sugar and cholesterol, urine test for protein

and comprehensive eye exam

Please call UHC to find out if you are eligible to earn a reward for other health care activities.

Complete Annual Physical or Wellness

Visit to Earn Reward

MEHP

________________________________________________________________________________________________________________________________________________

Retired Member Edition March 2018 | Page 9

What is a Virtual Visit?

See a doctor using your computer, tablet or mobile phone

TRS-covered UnitedHealthcare

(UHC) members now can see a doctor

any time, any day from anywhere with a

strong Internet connection. A live video

chat with a doctor is available using a

webcam-enabled computer, tablet or

smartphone. Ask questions, get a

diagnosis, even get medication prescribed

(in states where it’s permitted) and have it sent to a pharmacy.

Doctor on Demand and American Well (AmWell) have joined the UHC provider network

to bring you this innovative service. (Providers listed may not be available in every area. Other

providers are available in our network. Contact the customer service number on the back of

your member ID card for more information.)

Here are answers to some common questions.

How much does it cost?

A virtual doctor visit with Doctor on Demand or AmWell has a $0 copay.

How quickly can I talk to someone, and how long does a visit last?

Once a request for a visit has been submitted, the average wait time is about five to 10

minutes. A typical visit lasts 10 minutes.

With whom will I be speaking?

A list of participating virtual doctor visit providers can be found by logging in online at

www.UHCRetiree.com/trs.

Can I use it for any medical situation?

Virtual visits may be best for situations like a cold, flu, skin rash or eye issue. You will be

advised by the virtual provider if an in-person visit is appropriate. Virtual Visits are not

appropriate for serious or emergency medical situations. (Do not use this service for

emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency

room.)

Get started

On your computer:

1. Go to www.UHCRetiree.com/trs.

2. Sign in with your user name and password.

3. Click on the Virtual Visits toolbox to view your virtual provider group choices, access their

websites and set up an appointment.

On your tablet or smartphone:

Download the Doctor on Demand app or download the

American Well app.

MEHP

________________________________________________________________________________________________________________________________________________

Retired Member Edition March 2018 | Page 10

2–Page Section for You and Your Tax Preparer

2017 Tax Year Information

Tax Time Tips

On the next pages of the newsletter are

illustrations aimed at helping you complete the

pension-related parts of tax returns. These tips

should not, however, be considered the only advice

needed. Rules and forms likely will differ for

retirees who now live outside Kentucky. Retirees

may want to confer with a tax preparer or use a tax

preparation computer program. TRS assumes no

liability in providing this general guidance. Most

importantly, remember that up to $41,110 in

pension income is exempt from Kentucky taxes –

and even more if you retired or earned service

credit before Jan. 1, 1998.

Form 1099-R

TRS mailed 1099-R tax forms at the end of

January.

The tax statement contains confidential

information and can only be mailed to the

member’s address that is currently on record with

TRS. For TRS to send the form to a different

address, the member, beneficiary or power of

attorney must submit a written request to TRS.

The written request may be mailed to TRS or faxed

to 502-573-0254 and should specify if the address

change is permanent. The form is available on the

Retired Member forms page at trs.ky.gov.

Duplicates are available using the Pathway member

self-service portal (mss.trs.ky.gov) or by calling 800-

618-1687.

BOX 1 Shows total

pension benefit before

withholding.

BOX 2a Shows taxable portion

of benefit. If blank, “Taxable Amount Not

Determined” in Box 2b should be marked.

BOX 5 Shows the amount member

personally contributed to what was received. The Box 5 amount is nontaxable and is NOT used on

personal returns (i.e. IRS Form 1040, Ky. Form 740).

BOX 9b Only used in first

year of retirement to show amount of previously taxed

contributions.

1 2a

5

9b

2017

________________________________________________________________________________________________________________________________________________

Retired Member Edition March 2018 | Page 11

Kentucky State Taxes

Most members do not owe Kentucky state taxes on TRS benefits. You may want to take

a copy of these pages to your tax preparer.

Kentucky law excludes up to $41,110 in pension

income from state tax, so don’t forget to apply the

Kentucky pension income exclusion against the amount

taxable by the state. Here’s how:

The Kentucky return begins with the federal adjusted

gross income (AGI), which is on line 5 of Form 740. But

that figure can be lowered using the deduction of up to

$41,110. On Schedule M, which is where deductions are itemized, line 11 allows up to

$41,110 to be deducted. If the amount in box 2a of the 1099-R (or the sum of box 2a

amounts, if you have more than one 1099-R) exceeds $41,110, a Schedule P, which reports

pension income in detail, will need to be filed. Follow the instructions on the form to

determine the amount that goes on Schedule M line 11.

Federal Taxes

Upon retirement, federal taxable income must be reported to the IRS. Under federal tax

law, members must pay taxes on tax-sheltered annuities immediately. If you made

contributions prior to August 1982 or made personal payments to the retirement system,

TRS will calculate the amount of contributions upon which federal income taxes already

have been paid and will report on the 1099-R the amount of your annuity that is still

subject to income tax.

Need Help?

Tax forms may be obtained through the Kentucky Department

of Revenue at http://revenue.ky.gov/Get-Help/Pages/Forms.aspx.

TRS: 502-848-8500, toll free at 800-618-1687

KRS: 502-696-8800, toll free at 800-928-4646

Deferred Compensation: 502-573-7925, toll free at 800-542-2667

Kentucky Revenue Cabinet: 502-564-4581

IRS: 800-829-1040

________________________________________________________________________________________________________________________________________________

Retired Member Edition March 2018 | Page 12

Keeping your contact information current ensures

that you receive important communications from

the Teachers’ Retirement System, such as annual

statements, newsletters, trustee election ballots,

payment stubs and tax forms.

Even if you change your address with the school

district where you work (or worked), the school dis-

trict doesn’t report that change to TRS. So, TRS

needs to be notified of the change independently by

members.

Besides your physical address, please keep email

addresses and telephone numbers up to date.

TRS offers multiple ways to update your infor-

mation, including by changing it in the Pathway

member self-service portal. Also, members may mail

or fax a signed letter to TRS with your name and

TRS ID and the new information.

Finally, a downloadable form also is available

from the website.

The fax is 502-848-8599, and the mailing address

is: 479 Versailles Rd. Frankfort, KY 40601.

New Contact Information?

TRS

Teachers’ Retirement System

of the State of Kentucky

479 Versailles Road

Frankfort, Kentucky 40601-3800

https://trs.ky.gov

info@trs.ky.gov 800-618-1687